About Us
Who We Are
A boutique fee-only fiduciary RIA built on one conviction — healthcare professionals deserve a wealth partner who truly understands their career.
The Cognis Wealth Platform™
One Integrated Wealth Strategy. Built Around Your Life in Medicine.
Advanced Wealth Planning | Tax Intelligence | Investment Management | Practice Retirement Solutions | Estate & Legacy Planning
Your financial life is more complex than most. Between your medical practice, personal investments, retirement plans, tax obligations, and long-term family goals, managing wealth can feel like managing another business.
It shouldn't have to.
The Cognis Wealth Platform™ brings your financial world together through a coordinated, technology-enabled approach designed specifically for physicians, medical practice owners, and high-income healthcare professionals.
From optimizing your practice retirement plan to managing investments and protecting your family's financial future, our platform connects the strategies, specialists, and financial infrastructure needed to help you make more informed decisions.
One coordinated strategy. Greater financial clarity. More time for what matters.
The Cognis Advantage
Your Practice and Personal Wealth Should Work Together. Not in Silos.
Traditional wealth management often treats your finances as separate pieces.
Your CPA manages taxes. Your retirement provider manages the practice plan. Your investment advisor manages your portfolio. Your attorney handles estate planning.
But who is connecting the dots?
When these critical functions operate independently, opportunities for tax efficiency, retirement optimization, investment coordination, and asset protection can be overlooked.
Designed Around the Way Medical Professionals Build Wealth
Our integrated approach connects your medical practice's financial infrastructure with your personal wealth strategy, creating a more coordinated framework for managing, preserving, and growing wealth.
01
Advanced Tax Intelligence & Wealth Planning
Make More Informed Decisions About What You Earn, Keep, and Invest.
High-income medical professionals face unique financial planning challenges, including substantial tax exposure, complex compensation arrangements, business ownership, and compressed wealth-building timelines.
Our planning capabilities help identify opportunities to coordinate your income, investments, retirement contributions, and estate objectives.
The Benefit: A more proactive financial strategy designed to improve tax efficiency, coordinate financial decisions, and support long-term wealth accumulation.
02
Sophisticated Investment & Portfolio Management
Your Wealth Deserves More Than a Conventional Investment Portfolio.
Our investment management approach combines disciplined portfolio construction with tax-aware implementation and access to diversified investment opportunities.
We build portfolios around your financial objectives, risk tolerance, liquidity needs, and investment horizon.
The Benefit: A professionally managed investment strategy that coordinates portfolio growth objectives, tax considerations, liquidity, and risk management.
03
Advanced Practice Retirement Solutions
Turn Your Practice Retirement Plan Into a Strategic Financial Advantage.
For medical practice owners, retirement planning extends beyond offering employees a conventional 401(k).
Properly designed employer retirement programs can support substantial tax-deferred retirement savings while helping attract and retain valuable clinical staff.
Our retirement planning capabilities address both the physician-owner's personal financial objectives and the practice's responsibilities as an employer.
The Benefit: A coordinated retirement strategy designed to expand savings opportunities where appropriate, manage plan costs, support regulatory compliance, and strengthen employee benefits.
04
Fiduciary Oversight & Retirement Plan Administration
Spend Less Time Managing Your Retirement Plan. More Time Managing Your Practice.
Employer-sponsored retirement plans involve ongoing administrative responsibilities, investment oversight, regulatory filings, and fiduciary obligations.
Our platform coordinates specialized retirement plan administration and fiduciary services to help simplify these responsibilities.
The Benefit: Reduced administrative complexity, stronger governance, and a more efficient retirement plan experience for practice owners, administrators, and employees.
05
Estate, Asset Protection & Legacy Planning
Build Wealth With a Plan for Preserving It.
Medical professionals often face financial risks extending beyond market volatility, including professional liability exposure, business ownership complexity, and estate planning considerations.
We coordinate with your legal and tax professionals to evaluate strategies that may help preserve family wealth and support its orderly transfer to future generations.
The Benefit: Greater clarity around how your assets are structured, protected, managed, and ultimately transferred in accordance with your long-term objectives.
Five Core Advantages
01
Integrated Financial Visibility
Bring your personal investments, retirement assets, and practice-related financial considerations into a coordinated planning framework.
02
Proactive Tax Intelligence
Identify potential tax-saving opportunities across income, investments, retirement contributions, and business structures.
03
Advanced Retirement Architecture
Design retirement strategies that address physician-owner contribution goals, employee benefits, and regulatory requirements.
04
Coordinated Asset Protection & Legacy Planning
Evaluate financial structures and estate strategies intended to preserve wealth and support long-term family objectives.
05
Institutional-Quality Wealth Infrastructure
Benefit from sophisticated portfolio management, specialized planning capabilities, digital tools, and professional oversight.
Technology-Enabled. Advisor-Led.
Sophisticated Financial Infrastructure. Personal Fiduciary Guidance.
Technology makes sophisticated wealth management more efficient. But technology alone doesn't create a financial strategy.
Your financial strategy is developed around your needs—not around a software product or a predefined investment model.
Our approach emphasizes:
- Personalized Advice: Financial strategies tailored to your career, practice, family, and goals.
- Integrated Planning: Coordinated consideration of taxes, investments, retirement, and estate objectives.
- Digital Efficiency: Streamlined workflows, secure access, and improved financial visibility.
- Specialist Coordination: Collaboration with retirement, actuarial, legal, and tax professionals as appropriate.
- Ongoing Oversight: Regular monitoring and adjustments as your financial circumstances evolve.
Our Private Markets Desk
AltsPRISM™
AltsPRISM™ is our dedicated private markets desk — a marketplace and investor-education platform built for sub-accredited, accredited, and qualified medical professionals.
It pairs curated fund access with the education you need to invest in private markets with confidence, at minimums as low as $10,000 that finally make sense for retail healthcare clients.
AltsPRISM™ access is focused on Evergreen, interval, and business development companies (BDCs) — funds collectively known as registered alternative funds or semi-liquid alternative investment vehicles. They fall under the umbrella of "evergreen funds" or "perpetual-life structures" because they operate indefinitely without a fixed maturity date.
Visit AltsPRISM™A private markets marketplace
Curated evergreen, interval, and closed-end funds across private equity, private credit, real estate, and venture — structured to fit healthcare compensation and liquidity windows, with minimums as low as $10,000 for sub-accredited investors.
Investor education for every segment
Plain-language resources, fund deep-dives, and portfolio-construction guidance so physicians, surgeons, nurses, and allied health professionals understand exactly what they own and why — before they commit capital.
Diversification beyond public markets
Access to institutional-quality strategies historically reserved for endowments and ultra-high-net-worth families, sized to your risk tolerance and integrated into your total wealth plan.
How We Work
Our Fiduciary Process
A disciplined four-step cycle that organizes your financial life, formalizes a personalized plan, implements it with precision, and monitors it continuously.
Step 01
Organize
- Discover client needs and objectives
- Obtain sufficient quantitative information about the client
- Analyze information to fully understand client's financial situation
- Evaluate client's goals, needs, and priorities vs. client's resources
- Set client risk/return expectations
Step 02
Formalize
- Consider relevant alternatives to the client's current course of action
- Generate recommendation(s) based on the selected alternative(s)
- Communicate the recommendation(s) to assist the client in making an informed decision
- Disclose and discuss fees associated with recommended products
- Develop Investment Policy Statement (IPS)
Step 03
Implement
- Create strategic asset allocation tailored to client's specific needs
- Run quantitative & qualitative ETF fund analysis
- Prudently select ETF funds
- Implement client's strategic asset allocation
Step 04
Monitor
- Review portfolio performance to IPS
- Review individual ETF funds to benchmark & prospectus
- Review client's goals & objectives for possible changes
- Update as needed
- Document client review
Ready to experience the Cognis difference?
Schedule a complimentary consultation and see how our fiduciary process can work for your healthcare career.
Schedule Free Consultation